Lapho Ungenakuthi Cha Cha Ukwelapha
Iningi, kodwa hhayi bonke, baseMelika banelungelo lokunqaba ukwelashwa .
Kodwa-ke, kunezizathu ezintathu zokungalashwa ukwelashwa. Zenzeka uma abanye bexhasisa imali yengane yomhlalaphansi ngesikhathi sokulimala, ukugula nokungakwazi ukusebenza.
Eziningi zalezi zimo, isiguli singenqabe ukwelashwa uma ukwenza kanjalo kuzodlulisa isikhathi sakhe emsebenzini futhi sikwazi ukuzondla.
Kumelwe aqhubeke ethembele kwabanye ukuze amnike imali engenayo.
Kungase kube khona okunye okuhlukile, kodwa lokho okungafaniyo ngokuvamile kunqunywe yijaji noma i-ejensi yombuso eyenza izinqumo ezinjalo. Isibonelo, isiguli esitholakale sinesifo esibulalayo singavunyelwa ukwenqaba ukwelashwa uma kungenakwenzeka ukuthi uzobuyela emsebenzini - ukwelashwa noma akukho ukwelashwa.
Nazi ezinye izinto ezintathu eziyinhloko ezingakwesokudla ukunqaba:
Imbuyiselo yabasebenzi
Uma ubulewe noma ugula ngenxa yomsebenzi wakho noma indawo yakho yomsebenzi, futhi uthola imali engenayo ngokusebenzisa isinxephezelo sabasebenzi, khona-ke ngeke unelungelo lokulahla ukwelashwa. Ngenkathi imithetho ethize ephathelene nalolu daba ihluka kusuka esimweni kuya esimweni, umqondo wukuthi isisebenzi asikwazi ngokusemthethweni ukuqhubeka sizuze ngokwezimali ngokulahla ukwelashwa.
Kuyoba khona izindawo ezimpunga, okuyiqiniso. Kungase kube nezikhathi isiguli sifuna ukwenqaba ukwelashwa inkinga yezokwelapha engahambisani nokulimala noma ukugula okumsusa emsebenzini.
Ukwenqaba ukuthola ukuguquka komkhuhlane akufani nokulahla ukuhlinzwa okuzolungisa umzimba womuntu.
Ukuxhaswa kwezidakamizwa, kungakhathaliseki ukuthi kungumphumela wonyango isisebenzi esitholayo, kungathinta ilungelo lomsebenzi ukwenqaba ukwelashwa. Abasebenzi bangenalo ilungelo lokungafuni ukuphuma ohlelweni lwe-detox, ngokwesibonelo, kuye ngemiphumela yalezo zivivinyo zezidakamizwa.
Lokhu kuhluka ngokomthetho wezwe.
Uma uthola isinxephezelo sabasebenzi futhi ufisa ukunqabela noma yiluphi uhlobo lwezokwelapha, qiniseka ukuthi uthatha izinyathelo ezifanele futhi wazise abantu abalungile ukuze wenze leso sinqumo sokwenqaba ukwelashwa.
Ukukhubazeka Komphakathi (SSD)
Ngokufanayo nesinxephezelo sabasebenzi, abantu abathola ukukhubazeka kwezenhlalakahle bangathola nokuthi abakwazi ukwenqaba ukwelashwa ngokomthetho. Uma abakhokhi bentela bakinikeza ngemali engenayo ngoba ugula noma ubuhlungu, futhi uma lokho kugula noma ukulimala kungathuthukiswa kahle noma kulungiswe kahle ukuze ukwazi ukusekela ngokwakho, ngeke uvunyelwe ukwenqaba ukwelashwa. Uma wenza kanjalo, uzokhipha ilungelo lakho lokuthola ukwesekwa kwe-SSD.
Njengomsebenzi wabasebenzi, kunezindawo ezimpunga kulo mthetho. Abamukeli be-SSD kulindeleke ukuba baphishekele zonke izinhlobo zokwelapha "ezinengqondo". Yiqiniso, "ukucabangela" kushiyiwe kuze kube yilapho ukuhumusha kanye nemiphumela yokwelapha akuqinisekisiwe.
Uma uthola izinkokhelo ze-SSD futhi ufisa ukunqabela noma yiluphi uhlobo lwezokwelapha, qiniseka ukuthi uthatha izinyathelo ezifanele zokwenza leso sinqumo sokwenqaba ukwelashwa.
Ukukhubazeka kwangasese
Kungenzeka ukhethe umshuwalense wokukhubazeka wangasese ngomqashi wakho noma ngabanye ngokusebenzisa inkampani efana ne-Aflac noma i-MassMutual.
Uma ukulimala noma ukugula kwakho kungavumelani nomsebenzi wakho kodwa kuthinta ikhono lakho lokusebenza noma ukuzondla ngokwakho, yilapho umshwalense wakho wokukhubazeka uzokwenzela imali yakho ngemali ngesikhathi u-convalescence yakho. Ikhono lakho lokunqaba ukwelashwa lizohluka ngumshwalense.
Ngokuvamile, imithetho yokwenqaba iyofana neyokukhubazeka kwezenhlalakahle kanye nokubuyiswa kwabasebenzi. Umshuwalense okhubazekile ngeke avume ukukhetha ukuthi ungaphathwa uma ngabe ukwenqaba kusho ukuthi kuzodingeka bakhokhe imali eningi isikhathi eside. Uma wenqaba ukwelashwa, ungalahlekelwa lezo zinkokhelo.
Uma uthola noma iyiphi inkokhelo yokukhubazeka futhi ufisa ukunqabela noma yiluphi uhlobo lwezokwelapha, qiniseka ukuthi uthatha izinyathelo ezifanele zokwenza leso sinqumo sokwenqaba ukwelashwa.